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All Journal Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen, dan Akuntansi Jurnal JUEMA
Fathir Moh. Abdillah
Universitas Sriwijaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENGARUH STABILITAS MAKROEKONOMI DAN KESEHATAN PERBANKAN TERHADAP PEMBIAYAAN UMKM DI INDONESIA: PENDEKATAN MODEL ARDL Adinda Maharani; Fathir Moh. Abdillah; Muhammad Caesario Juliansyah; Viola Maulina Susanto; Nazeli Adnan
Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 3 No. 1 (2026): April
Publisher : CV. Armas Suan Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67398/juema.v3i1.239

Abstract

Micro, Small, and Medium Enterprises (MSMEs) contribute significantly to Indonesia's economy, yet access to financing remains a persistent challenge. This study aims to analyze the effects of macroeconomic stability and banking health on MSME financing in Indonesia, using the Autoregressive Distributed Lag (ARDL) approach. Secondary time-series data covering 2009–2023 were obtained from the Financial Services Authority (OJK), Bank Indonesia, and the Central Statistics Agency (BPS), encompassing variables of inflation, lending interest rate, Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL). The ARDL Bounds Test confirmed a long-run cointegration relationship among all variables. In the short run, CAR positively and significantly influenced MSME financing, while NPL exerted a negative and significant effect; inflation showed no immediate impact. In the long run, all variables were statistically significant: inflation and lending interest rate negatively affected MSME financing, CAR had a strong positive effect, and NPL acted as a structural constraint on credit expansion. These findings emphasize that sustainable MSME financing in Indonesia depends on both macroeconomic stability and sound banking performance, underscoring the need for coordinated monetary and prudential policies to strengthen MSME credit access
RENEWABLE ENERGY CONSUMPTION AND CARBON EMISSION REDUCTION IN INDONESIA’S ENERGY SECTOR Halia Butra Aini; Endri Ahmad Dani; Fathir Moh. Abdillah; Yandri Hilman Syahrudin
Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen, dan Akuntansi Vol 6 No 1 (2026): Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi Universitas IBA Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35449/surplus.v6i1.1293

Abstract

Climate change has increasingly pressured countries to accelerate the transition toward sustainable and low-carbon energy systems. For developing economies such as Indonesia, renewable energy plays a strategic role in reducing carbon dioxide (CO₂) emissions while supporting long-term economic development. This study examines the effectiveness of renewable energy consumption in contributing to national emission-reduction efforts within the framework of Indonesia’s vision for Indonesia Emas 2045. Using annual data from 1990 to 2021, the analysis incorporates renewable energy consumption, industrial value added, and GDP per capita to explore their dynamic relationships with CO₂ emissions. The Autoregressive Distributed Lag (ARDL) approach is employed to assess both short-run and long-run interactions, supported by diagnostic testing, robustness checks, and impulse response analysis to ensure model stability and reliability. This research provides empirical insights into how renewable energy adoption interacts with economic and industrial structures, highlighting its role in shaping Indonesia’s low-carbon transition. The study underscores the importance of strengthening renewable energy policies, enhancing technological innovation, and aligning economic planning with environmental objectives as part of the nation’s broader strategy toward sustainable development.
Co-Authors Adinda Maharani Endri Ahmad Dani Halia Butra Aini Muhammad Caesario Juliansyah Nazeli Adnan Viola Maulina Susanto Yandri Hilman Syahrudin